The Research On Credit Risk Management Of Small And Medium-sized Enterprises In Shanghai Pudong Development Bank

In the era of rapid development of market economy, China’s small and medium enterprises in the development of the scale, the scale of continuous growth. However, due to the weak and small enterprises themselves, in the process of its rapid development, the demand for capital is increasing, the credit scale of small and medium-sized enterprises continues to expand, in order to further meet and promote the development of small and medium-sized enterprises, financial institutions have introduced effective measures to increase its financial support, to meet their financial needs, to provide help for its development. However, due to the bank, small and medium enterprises themselves as well as the market environment and other aspects, the credit risk of small and medium enterprises continued to increase, the continued increase in non-performing loans, bank losses. Shanghai Pudong Development Bank in recent years, as our country development speed rapid commercial banks, successive introduction of a number of initiatives, to provide credit support to small and medium-sized enterprises. But due to the influence of Shanghai Pudong Development Bank has its own business risk, operational risk and other factors, coupled with small and medium enterprises have their own problems, resulting in Shanghai Pudong Development Bank in the development process need to bear a higher credit risk, Shanghai Pudong Development Bank’s bad debt rate has been high, 2014 corporate loans bad debts rate reached 1.16%, far higher than the other types of loans. Therefore, to strengthen the SME credit risk control and management, has become an important problem in the process of the development of Shanghai Pudong Development Bank.This paper is divided into seven chapters. The first chapter, mainly on the research background, research significance, research methods, current research and framework, on the whole are summarized and discussed in this paper. The second chapter SME credit risk management analysis, elaborate concepts and theories, as the theoretical basis of this study, this study aid. Expressions Chapter III of Shanghai Pudong Development Bank SME credit risk, mainly on the development and manifestation of the credit risk of the Shanghai Pudong Development Bank SME credit business. Chapter IV Credit Risk Management in Shanghai Pudong Development Bank for SMEs, analysis of measures taken by the Shanghai Pudong Development Bank SME credit risk management and existing problems. Cause Problems Chapter SPDB SME credit risk management analysis summarized the main reason for the current problems in the Shanghai Pudong Development Bank SME credit risk management. Shanghai Pudong Development Bank Chapter VI improving SME credit risk management strategies. According to the theory and the status of Shanghai Pudong Development Bank, Shanghai Pudong Development Bank made this perfect SME credit risk management strategies, effective control of SPDB SME credit risk. Chapter VII of the conclusions of this study are summarized, and SME credit risk management outlook on future research.